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Member
Posts: 10
Registered: ‎08-21-2007
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Finding a "first delinquency" date on credit report

I'm trying to come up with a tactic for a negative mark on my reports. I'm trying to figure out the statute of limitations and the timeframe the creditor could potentially sue me for. I need to find the date of first delinquency. The reports only show a fixed number of months. (usually 24) Only "account opened" dates are in details. 

 

  • How can I find, or figure out the first date of delinquency?

 

Your help is appreciated.

 

 

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Equifax 605 TransUnion 633 Experian 585 / Student loan rehab completed April 2013 / Goal: 700
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Registered: ‎01-17-2008
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Re: Finding a "first delinquency" date on credit report

If you get the reports directly from the CRAs or annualcreditreport.com, EQ will show an actual DoFD while TU and EX will have a drop off date.

 

They also have a longer payment history, like 81 month or something like that.

Member
Posts: 10
Registered: ‎08-21-2007
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Re: Finding a "first delinquency" date on credit report


guiness56 wrote:

If you get the reports directly from the CRAs or annualcreditreport.com, EQ will show an actual DoFD while TU and EX will have a drop off date.

 

They also have a longer payment history, like 81 month or something like that.


Thank you for the advice. I did just what you suggested. I wasn't aware of the formatting differences and level of details in reports purchased at different places. I monitor my reports at USAA and the details just were not there in those reports. I found all the details and longer account historys going right to the CRA's.

 

Lesson learned:

Reports come in 2 flavors. Watered-down by third party vendors, and full-strength directly from CRA's.

If you need a deeper level of details...go directly to CRA's.

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Equifax 605 TransUnion 633 Experian 585 / Student loan rehab completed April 2013 / Goal: 700

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